Cheapest 2019 Nissan Altima Insurance Rates in 2023
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UPDATED: Jun 6, 2023
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Looking for lower insurance rates for your Nissan Altima? Did a good deal turn out to be high-priced insurance? Believe me, you’re not alone.
Many insurance companies compete for your insurance dollar, and it can be difficult to compare rates and uncover the absolute lowest price
If you are paying for car insurance now, you will be able to save some money using this information. Finding the best rates is not that difficult. Although car owners need to have an understanding of how the larger insurance companies compete online and take advantage of how the system works.
The method we recommend to get policy rate comparisons is to know most larger insurance companies allow for online access to give rate comparisons. The one thing you need to do is provide details like the type of vehicles you drive, how your vehicles are used, if a SR-22 is required, and whether your vehicle is owned or leased. The data is then submitted to insurance carriers in your area and you will get price comparisons immediately.
Big brands don’t always mean big savings
Respected companies like 21st Century, Allstate and State Farm continually stream ads in print and on television. All the ads convey the message that drivers will save a bundle if you switch to them. Is it even possible that every company can say the same thing? Here is how they do it.
Most companies are able to cherry pick for the driver that will add to their bottom line. For instance, a profitable insured should be a married male, insures multiple vehicles, and drives a vehicle with a low ISO rating. Anybody that meets those criteria receives the best car insurance rates and will save a lot of money.
Potential customers who don’t measure up to the ideal profile will be quoted a higher premium and this results in business going elsewhere. If you pay attention, the ads say “people who switch” but not “all drivers who get quotes” save that much money. That is how insurance companies can advertise the way they do. This illustrates why you absolutely need to compare as many free car insurance quotes as you can. It’s just too difficult to predict which insurance company will provide the lowest car insurance rates.
More discounts mean lower-cost premiums
Insuring your vehicles can cost a lot, but there are discounts available that can dramatically reduce your bill. A few discounts will be applied at quote time, but once in a while a discount must be specially asked for before you get the savings.
- Anti-theft Discount – Cars with anti-theft systems are less likely to be stolen so companies will give you a small discount.
- Safe Driver Discount – Safe drivers can save as much as half off their rates on Altima coverage compared to accident prone drivers.
- Student in College – Any of your kids who attend college more than 100 miles from home and do not have access to a covered vehicle may be insured at a cheaper rate.
- Discount for Swiching Early – A few companies give discounts for renewing your policy before your current policy expires. You may see this discount when you get car insurance quotes online.
- Fewer Miles Equal More Savings – Maintaining low annual mileage can qualify you for discounted prices on garaged vehicles.
- Discounts for New Vehicles – Adding a new car to your policy can save up to 30% because newer models are generally safer.
- Discount for Passive Restraints – Factory air bags or automatic seat belts can receive discounts of 25 to 30%.
- Seat Belts Save – Drivers who require all vehicle occupants to buckle up before driving may be able to save a few bucks on the medical payments or PIP coverage costs.
- Multiple Vehicles – Buying a policy with more than one vehicle on one policy qualifies for this discount.
- Claim-Free Discount – Drivers who stay claim-free pay much less as compared to drivers with a long claim history.
Don’t be shocked that most of the big mark downs will not be given to the whole policy. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think all those discounts means the company will pay you, companies wouldn’t make money that way.
To locate insurance companies who offer discounts, enter your zip code here.
It’s not one size fits all
When it comes to buying the best insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that could help you determine if you might need professional guidance.
- Should I file a claim if it’s only slightly more than my deductible?
- When can my company non-renew my policy?
- How can I get my company to pay me more for my totalled car?
- Can my teen driver be rated on a liability-only vehicle?
- Who is covered when they drive my 2019 Nissan Altima?
- What is the difference between comprehensive and collision coverage?
- When should I remove comp and collision on my 2019 Nissan Altima?
- What is PIP insurance?
- Is other people’s property covered if stolen from my vehicle?
- Can I still get insurance after a DUI?
If you’re not sure about those questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out your zip code.
Car insurance coverage specifics
Learning about specific coverages of car insurance aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are the usual coverages offered by car insurance companies.
Coverage for collisions
This coverage pays for damage to your Altima caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.
Collision insurance covers claims like rolling your car, colliding with another moving vehicle, scraping a guard rail, backing into a parked car and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.
Uninsured or underinsured coverage
Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims like hitting a deer, theft and rock chips in glass. The maximum amount your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
This provides protection from damage that occurs to a person or their property in an accident. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.
Liability can pay for things like repair costs for stationary objects, pain and suffering, loss of income and medical services. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.
Medical expense coverage
Coverage for medical payments and/or PIP provide coverage for immediate expenses like dental work, surgery, nursing services, ambulance fees and pain medications. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay
Stretch your dollar
In this article, we covered many tips how you can save on 2019 Nissan Altima insurance. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. You may even discover the lowest prices are with some of the smallest insurance companies. They can often insure niche markets at a lower cost compared to the large companies like State Farm, GEICO and Nationwide.
Affordable 2019 Nissan Altima insurance is possible on the web and with local insurance agents, so get free car insurance quotes from both of them to have the best selection. Some insurance providers may not provide the ability to get a quote online and most of the time these small insurance companies provide coverage only through independent insurance agents.
When shopping online for insurance coverage, it’s very important that you do not reduce coverage to reduce premium. Too many times, an insured dropped physical damage coverage only to find out they didn’t have enough coverage. Your focus should be to buy a smart amount of coverage at the best cost, but do not skimp to save money.
Additional detailed information is available at these sites:
- Collision Coverage (Liberty Mutual)
- Eight Auto Insurance Myths (Insurance Information Insitute)
- Young Drivers: The High Risk Years Video (iihs.org)
- Should I Buy a New or Used Car? (Allstate)
- Get the Right Protection (InsureUonline.org)
Frequently Asked Questions
How can I find the cheapest auto insurance rates for a 2019 Nissan Altima in 2023?
Use online tools to compare quotes from different insurance companies based on your zip code and vehicle details.
Why do insurance companies advertise big savings when switching to their company?
They target specific profiles that fit their criteria for lower rates, but not everyone will save that much. Compare quotes to find the lowest rates.
Are there any discounts available to lower my insurance premiums?
Yes, insurance companies offer discounts for certain coverages. Check with companies in your area to see which discounts apply.
How do I determine the right insurance coverage for my Nissan Altima?
Consider your vehicle usage and needs, and consult with a licensed agent for personalized guidance.
What are the different coverages offered by car insurance companies?
Car insurance coverages include collision, uninsured/underinsured, comprehensive, liability, and medical expense coverage. Review them and choose appropriate limits and deductibles.
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